| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.2 pts |
| Share growth (YoY) | -2.4% | +0.7% | -3.0 pts |
| Loan growth (YoY) | -2.1% | -2.4% | +0.3 pts |
| ROA | 2.24% | 0.60% | +1.6 pts |
| ROE | 8.1% | 4.1% | +4.0 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $922K | $668K | $338K | $254K | $5K | 2.24% | 4.78% | 0.00% | 132 |
| Q4 2025 | $911K | $663K | $361K | $248K | $5K | 0.55% | 3.73% | 0.00% | 132 |
| Q3 2025 | $935K | $686K | $328K | $249K | $5K | 0.75% | 3.60% | 0.02% | 136 |
| Q2 2025 | $941K | $695K | $330K | $246K | $3K | 0.62% | 3.30% | 0.02% | 137 |
| Q1 2025 | $930K | $685K | $345K | $245K | $2K | 0.79% | 2.90% | 0.00% | 137 |
| Q4 2024 | $920K | $676K | $229K | $243K | $3K | 0.28% | 3.23% | 0.00% | 140 |
| Q3 2024 | $922K | $679K | $201K | $243K | $2K | 0.33% | 3.25% | 0.59% | 140 |
| Q2 2024 | $929K | $685K | $218K | $244K | $3K | 0.58% | 3.34% | 0.55% | 140 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $338K · securities $153K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.24% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 81.5% | 7th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.